In observance of Independence Day, our branches and Member Contact Center will be closed on Saturday, 4th of July, 2020.

Ensure the safety of your future retirement; don’t wait to open an Individual Retirement Account (IRA). Can’t decide between a Traditional or Roth IRA? See all the benefits a River City FCU IRA has to offer.

  • No minimum balance requirement
  • Earn Annual Percent Yield
  • Earn Membership Dividends

River City FCU offers several types of IRAs, including Traditional, Roth, Simplified Employee Pension (SEP) IRAs, and IRA term share certificates. Traditional and Roth IRAs are among our most popular IRA offerings. Here's a few tips to help you choose the right IRA for you.

Choose a Traditional IRA if you:

  • Are eligible for this deduction
  • Anticipate a higher tax rate while saving and a lower one during retirement
  • Plan to withdraw at least the required minimum distribution amounts during retirement
  • Aren’t concerned about tax implications to beneficiaries

Choose a Roth IRA if you:

  • Aren’t eligible for the Traditional IRA deduction or to contribute to it because of the age limit (70.5 years)
  • Anticipate a lower tax rate while saving and a higher one during retirement
  • Want to avoid the required minimum distribution amounts
  • Are concerned about tax implications to beneficiaries

Individuals under 50 years old can contribute up to $6,000 every year; people 50 and over can contribute an additional $1,000 for $7,000 total. Contributions can’t total more than your annual compensation.  Talk to your Tax Advisor for more information about annual IRA contribution limits.

Becoming a River City member just got easier! Apply in branch or by phone.

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IRA Share Account Dividend Rate APY*
IRA Share (including Traditional, Roth, and SEP) 0.100% 0.100%


*APY stands for Annual Percentage Yield and are in effect as of May 1, 2020, and subject to change without prior notice. IRA withdrawals before age 59 1/2 years of age are subject to certain IRS penalties.

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